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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,683 | $93,124+61.8% | $77,100+95.4% | $134,545+12.0% |
| Participation rate | 47.4% | 74.5%-27.1pp | 67.9%-20.6pp | 81.2%-33.9pp |
| Annual return | -12.64% | 62.68%-75.3pp | 42.35%-55.0pp | 418.37%-431.0pp |
| Employer contribution / active EE | $1,014 | $3,421-70.4% | $2,815-64.0% | $4,742-78.6% |
| Participant deferral / active EE | $1,083 | $5,242-79.3% | $4,430-75.6% | $6,401-83.1% |
| Admin fee / account holder | $5,478 | $6,970-21.4% | $5,443+0.6% | $11,431-52.1% |